WHAT
What can R&D Finance be used for?
Unlock immediate capital to accelerate your projects. Receiving your R&D Tax Incentive is a significant milestone. Funding gaps can be created whilst you are waiting for your tax return to be processed.
Continue R&D projects
Recruit & retain specialists
Buy equipment or tech
Boost cash flow yearly
Invest in business growth
Fund innovation projects
FEATURES & BENEFITS
Finance Without the Friction
Experience lending built around you which is quick, transparent, and flexible. We make borrowing easier so you can stay focused on growing what matters to you.
Innovative
Our team understands that innovative businesses often experience rapid growth and changing funding requirements.
Support
Accessing your expected R&D Tax Incentive earlier can improve liquidity and provide greater business confidence.
Tailored
No two R&D claims are the same. We assess every opportunity individually and structure funding around your business.
Partnered
Ezifin aims to become a trusted funding partner, supporting businesses as they innovate, scale and grow.
FEES & COSTS
No Surprises. Just Transparent Financing.
Clear rates. No hidden fees. Ever.
Interest Rates
Origination Fee
dependent upon the loan size
Minimum Requirement
Zero Hidden Charges
HOW TO APPLY
Apply in 4 Easy Steps
The Ezifin application process is designed to be straight forward
Describe your business
Share details & documents about your business, your R&D activities and your expected R&D Tax Incentive.
Review funding options
Our team will assess your eligibility and discuss funding structures that align with your expected claim.
Assessment
We review your application and documents to determine the appropriate funding solution.
Receive your funding
Once approved, funding is made available so your business can continue investing in innovation.
CALCULATOR
R&D Tax Incentive calculator
Estimate your refundable R&D offset and how much of it you can advance.
*Needs to be verified by approved R&D tax consultant
WHY US
Why choose Ezifin?
Businesses choose Ezifin because they are looking for more than just another lender.
Flexible Funding Solutions
Ezifin offers finance solutions tailored to each business, not one-size-fits-all lending.
Private Credit Expertise
Private credit provides an alternative pathway when you need more flexibility than traditional lending.
Growth-Focused Businesses
Whether expanding, investing, acquiring, or managing cash flow, we offer funding solutions to help you progress.
Faster & Simpler Lending Experience
Ezifin combines technology-driven processes with experienced lending expertise to simplify the funding journey.
Strong Broker Partnerships
Ezifin works closely with finance brokers to support Australian businesses with suitable funding solutions and responsive service.
BLOG
Experts in free-thinking finance
Stay informed on business lending and private credit in Australia.
Finding support options that could help you buy a home sooner
Buying a home is a major financial decision. Understanding your funding options early can help you plan with...
2026-27 Federal Budget: SME Cash Flow, Growth & Funding
How the right funding partner can make all the difference The 2026–27 Federal Budget introduces several measures aimed...
Payday Super is Here: What it means for your Business’s Working Capital
Superannuation just changed for good. From 1 July 2026, every Australian employer must pay Superannuation Guarantee Contributions on...
Frequently asked questions
R&D Finance allows eligible businesses to access funding against their expected Research and Development Tax Incentive before the refund is received from the Australian Government.
Businesses that are eligible to claim the Australian Government’s R&D Tax Incentive may be able to apply, subject to Ezifin’s assessment.
Funding can be used for a wide range of business purposes, including payroll, research, product development, equipment purchases, working capital and growth initiatives.
No. R&D Finance is designed to help eligible businesses access funding before receiving their R&D Tax Incentive, subject to assessment.
Most businesses work with their accountant or R&D adviser during the application process. Ezifin can also collaborate with your professional advisers to help make the process as smooth as possible.
Ezifin has a deep understanding of innovation funding. We provide flexible funding solutions that help Australian businesses improve cash flow, continue investing in R&D and accelerate growth.